Xero to Sixty: A Look at Small Business Finance
|
|
- Adele Walker
- 3 years ago
- Views:
Transcription
1 A tax-time look at the relationships between U.S. small businesses and accountants, and their attitudes to business finances 1 Xero to Sixty 2015 edition
2 2015 Contents U.S. TAX DAY REPORT Foreword What s different in 2015? Zeitgeist Gas prices Political agendas Accountant and client contact Geographic challenges Accountants as advisors 2015 challenges Audit alert In a nutshell Conclusion
3 2015 Foreword U.S. TAX DAY REPORT 3 It is my pleasure to introduce Xero to Sixty, a look at attitudes and experiences surrounding small business finance and tax issues. While in years past our research has focused exclusively on accountants, this year we cast a wider net to include businesses with twenty or fewer employees. Our customers represent both groups, so we were curious to see where their attitudes and experiences are in sync and where they differ. The results? Some we expected. For example, a disconnect between how much accountant/ client communication the two groups think is necessary. But others surprised us. One notable finding was that despite recent gains in the stock market, an uptick in the GDP, and a reduction in the unemployment rate, our research indicates that the prevailing sense of optimism about the economy hasn t yet reached the owners of the smallest businesses. We also saw overwhelming evidence that technology is having a powerful and positive impact on the accounting practice: 85 percent of respondents said so. Perhaps there s a lesson there for business owners who haven t yet embraced it to the extent that they could or should. We also found it interesting that accountants believe policies such as the Affordable Care Act and minimum wage increases will pose a bigger challenge to business than their clients seem to think they will. Why Xero to Sixty? In today s always-on society, everyone is looking to accelerate profit, if not growth. We firmly believe that it s hard to do that without investing in the right tools and advisors, so in the following pages we offer insights to help both business owners and accountants get where they want to be faster. We ll also look at some of the unifying themes that emerged in our research, plus some eyebrow-raising nuggets we included for light-reading. Curious? Read on! AMY VETTER CPA.CITP, CGMA Xero Head of Accounting and Global Vice President, Education & Enablement
4 2015 What s U.S. TAX DAY REPORT different 4 in 2015? The business owners we included in this year s survey represented a wide range of industries including, but not limited to professional services, retail, insurance, healthcare, construction, hospitality, and real estate, with nine out of ten owners having been at the helm for at least three years, and more than a third clocking at least a decade. We were struck by the following: Accountants are taking a macro view and staying one step ahead of their clients. While last year just eight percent of accountants said that rising minimum wage was the biggest challenge facing small businesses, this year that number jumped to 21 percent. However, this year only eight percent of business owners listed rising minimum wage as the biggest challenge they face. Do accountants see something the business owners don t? Or are they just looking harder? Another notable difference from last year s results also lies in the question of the biggest obstacles ahead: In 2014 more than a third of accountants surveyed predicted that new tax policies (e.g. Affordable Care Act, Marketplace Fairness Act) would be the biggest challenge facing small business, but that number dropped to 20 percent this year. In this year s survey just 14 percent of business owners saw new tax policies as their biggest challenge, with more than half citing the economy. The one area where small business respondents were able to provide insight on last year was a surprise to us. A full two-thirds of respondents said business in 2015 is the same or worse than last year. Could much of that be due to poor business planning without professional help? In our opinion the answer is not always, but often.
5 5 Zeitgeist. Irrelevant? Maybe. Fun? Definitely. Not your mother s expense report. We know that the U.S. is a nation of pet-lovers, but we didn t know that owners wish pets could fetch tax write-offs for them. We asked accountants to tell us some of the weirdest items their clients had claimed (or tried to claim) as a tax deduction. We continue to be puzzled at some of the answers that popped up over and over. Interestingly, more than a third fell under the category of pets. Say what? The larger the circle in the cloud below, the more often accountants heard it from their clients. CAT HOT-TUB VANITY CHILDREN ADULT ENTERTAINMENT MISC BAGELS PETS TRAVEL FOOD GIFTS CLOTHING PERSONAL MASSAGE MISC VEHICLES DOG HOUSEHOLD GOODS WIGS SHOES DOG PROPERTY TAXI 50 SHADES OF TAX DEDUCTIONS
6 6 Gas prices Lower prices at the pump pumping up business. Almost half of respondents (48 percent) say lower gas prices are impacting business. How exactly? Of that group, 34 percent say expenses are down, and 28 percent say revenue is up Many of those business owners are putting those savings right back into the business through infrastructure (36 percent), hiring (17 percent), or expansion (16 percent) 48% say lower gas prices are impacting business 28% say expenses are down as a result of gas prices 34% say revenue is up as a result of gas prices
7 7 Political agendas Elections affecting the bottom line? Depends what color the bottom is. Not surprisingly, our respondents were divided among (geographical) party lines when asked if the Republican majority in Congress will affect their business. Almost half (49 percent) of business owners in red states think it will help compared to less than a quarter (24 percent) in blue states On the flip side, more than a third (37 percent) of business owners in blue states think it will hurt compared to only 14 percent in red states 24 % of business owners of in blue states think it will help % business owners in blue states think 37it will hurt 49% 14 % of business owners in red states think it will help of business owners in red states think it will hurt
8 Accountant and client contact What do accountants want? More time with clients! When do they want it? Now! or very soon. While it s hardly surprising to learn that accountants want more client contact, we thought it was worth pointing out that a full third of accountants surveyed believe that communicating with their accountant only during tax time is the single biggest mistake small business owners make. But do clients know their accountants feel this way? We suspect not. 8 I ve worked with countless accountants, and the majority of them don t like to sell themselves. But they should! The door is ajar for accountants to play a more advisory role with their clients I m just hoping they ll push it open. AMY VETTER 70% of accountants recommend monthly contact, and nearly a third prefer a weekly check-in While 70% of accountants recommend monthly contact and nearly a third prefer a weekly check-in, fewer than half of small business owners surveyed meet with their accountant monthly, with a quarter meeting only once or twice a year. A full quarter of small business owners met with their accountant only once or twice a year!
9 Geographic challenges Location, location, location! Our data indicates that romantic bonds aren t the only ones that suffer in a long distance relationship. Accountants say their rural clients commit the error of talking to them only during tax time, a mistake made by them more often (47 percent) than by their urban clients (27 percent). While 85 percent of accountants responding to the survey said that recent technology advancements have allowed them to be more efficient. Ideas for accountants Adjust your service offering to a value-pricing model Talk to clients about moving from merely compliance to an advisory role as well Consider a cloud-based solution like Xero to obtain regular and secure visibility into client finances, regardless of geography 9 47% of rural clients speak to their accountant only at tax time, vs. 27% of urban clients accountants said that recent technology advancements have allowed them to be 85of more efficient
10 Accountants as advisors More than compliance accountants as advisors. It s clear from our survey results that today s accountants are in a position to provide their small business clients with invaluable advice that reaches far beyond the scope of compliance and can help to accelerate growth. What s also clear is that many of them aren t playing that advisory role. A full quarter of our business owner respondents admit to not understanding their tax obligations, and twenty percent say that not linking their business goals to their finances had negatively impacted their business. Show your value! 10 When a bakery owner feels he can ask his accountants questions about his business (How can I become more profitable? Why is my inventory so high?) and not just his tax preparation, the shift from merely compliance to an advisory role will be natural. A full quarter of our business-owner respondents admit to not understanding their tax obligations Today's accountants are in a position to provide their accountants with invaluable advice.
11 challenges On the horizon Whereas business owners are inherently focused on the here and now (bearing in mind that more than half listed the economy as their biggest challenge in 2015), forward-thinking accountants view things on a broader scale. They raised red flags around policy and regulation, citing legislation such as minimum wage increases (21 percent of accountants vs. 8 percent of small business owners) as issues that will affect the bottom line in The big picture? Accountants see it. The takeaway? Accountants have the knowledge to help their clients plan for the future.
12 12 Audit alert! Alert your clients to be mindful of common mistakes that can trigger an audit. The accountants we polled said the most common mistakes include: AUDIT Mixing personal and business expenses in deductions (23 percent) Excessive deductions from income (22 percent) Failing to file on time (15 percent) Underpaying estimated taxes (14 percent) Inaccurate home-office deductions (10 percent) Not communicating well with your accountant (7 percent) The most common mistake leading to an audit is mixing personal and business expenses.
13 2015 Summary U.S. TAX DAY REPORT 13 In a nutshell... In any relationship, there s always room for improvement. ACCOUNTANTS AND SMALL BUSINESS OWNERS Where they most agree: Key focus areas for successfully managing business finances. A whopping 85 percent of accountants in our survey said recent technology advances have allowed them to be more efficient in their practice. By adopting a solution that provides continuous visibility into finances, we see an opportunity for both accountants and clients to significantly increase the value of the relationship. Where they most differ: How much accountant involvement is necessary to successfully manage finances. What role an accountant can/should play in the business. ACCOUNTANT TAKEAWAYS All clients on some level want to accelerate profits, if not grow their revenues, but setting financial goals is your area of expertise, not theirs. Offer that guidance!
14 2015 Conclusion U.S. TAX DAY REPORT 14 Our goal at Xero is to help both small business owners and accountants successfully manage finances, so we found it heartening that a major storyline that emerged from this survey was about the relationship between the two groups, namely the potential to dramatically improve it for the benefit of both parties. There s no question that everyone s playing for the same team. It s getting the game plan right that s the tricky part and assigning the positions in a way that produces the best results. As accountants you have the skills to help their clients set goals to increase profitability, freeing them to take their minds off of the books and focus their energies on what they re really passionate about. The advent of cloudcomputing solutions makes this possible by removing obstacles such as geography and by introducing value pricing into the conversation, which changes the game for small businesses. As for the guy who tried to claim his donkey as a legitimate business expense? If you have a theory on what he was thinking, please let us know, because we re still scratching our heads about that one. Here s to a year of accelerated profit and growth!
15 15 Beautiful accounting software
United States Chamber of Commerce Q1 Small Business Outlook Study
United States Chamber of Commerce Q1 Small Business Outlook Study April 16, 2012 Survey Dates: March 27, 2012 April 2, 2012 Methodology The Q1 U.S. Chamber of Commerce Small Business Outlook Survey was
More informationFour Steps to Reduce Your Debt
Four Steps to Reduce Your Debt Overview Simple steps you can take to reduce your debt. Admit that you have a problem and commit yourself to fixing it. Stop debt spending. Make a spending plan. Pay down
More informationChanging trends in multichannel shopping and browsing preferences. October 2013
Changing trends in multichannel shopping and browsing preferences October 2013 Page 1 Overview Since June 2010, edigitalresearch and Portaltech Reply have been tracking the changes in multichannel shopping
More informationUNIT 7 1 Applying for a Home Mortgage
UNIT 7 1 Applying for a Home Mortgage Regardless of where you get your mortgage, the issuer is not likely to keep the mortgage for the duration of the loan. So, if you get your mortgage at a local bank,
More informationTABLE OF CONTENTS. 1 Introduction. 2 Top Findings. 3-4 Chapter 1: Who, What, Where & How Much
LIGHTSPEED S ANNUAL INDEPENDENT RETAIL TECHNOLOGY ADOPTION REPORT 2016 TABLE OF CONTENTS 1 Introduction 2 Top Findings 3-4 Chapter 1: Who, What, Where & How Much 5 Chapter 2: Shifting Budget Priorities
More informationBest Practices for Developing a Strong Talent Pipeline
Talent Solutions Whitepaper Best Practices for Developing a Strong Talent Pipeline July 2012 Executive Summary Recruiting has always been about relationships, but with the advent of social professional
More informationSUSTAINABILITY & EMPLOYEE ENGAGEMENT
SUSTAINABILITY & EMPLOYEE ENGAGEMENT The State of The Art By John Davies VP Senior Analyst, GreenBiz September 2014 Finding Common Ground with HR Sustainability professionals usually think of their challenges
More information5IMPROVE OUTBOUND WAYS TO SALES PERFORMANCE: Best practices to increase your pipeline
WAYS TO 5IMPROVE OUTBOUND SALES PERFORMANCE: Best practices to increase your pipeline table of contents Intro: A New Way of Playing the Numbers Game One: Find the decision maker all of them Two: Get ahead
More informationA Simple Guide to Churn Analysis
A Simple Guide to Churn Analysis A Publication by Evergage Introduction Thank you for downloading A Simple Guide to Churn Analysis. The goal of this guide is to make analyzing churn easy, meaning you wont
More informationOvercoming Your Content Marketing Challenges
Overcoming Your Content Marketing Challenges How to create great content your readers will share. 2012 Copyright Constant Contact, Inc. 13-3660 BEST PRACTICES GUIDE SOCIAL MEDIA MARKETING Engage your readers
More information2012 Unified Communications & Collaboration SURVEY. Exclusive Research from
2012 Unified Communications & Collaboration SURVEY Exclusive Research from EXECUTIVE SUMMARY Productivity Improvements, Flexibility Key Drivers of Unified Communications and Collaboration Investments Size
More informationHow To Manage A Focused Outreach Lead Generation Initiative
Focused Outreach Lead Generation to Produce High Quality Leads and Raise Your ROI By Elisa Ciarametaro of Exceed Sales www.exceedsales.com Elisa Ciarametaro and Exceed Sales, Inc. Table of Contents What
More informationLet s assume you have found one or more ways to get money. You have an income coming in. You have money decisions
CHAPTER 9: Taking Control of Your Money Let s discuss... $ Tracking r spending $ Budgeting $ Budgeting tips $ A sample budget Let s assume have found one or more ways to get money. You have an income coming
More informationIS IT POSSIBLE THAT WHAT YOU LEARNED ABOUT COACHING IS WRONG?
» WHITE PAPER IS IT POSSIBLE THAT WHAT YOU LEARNED ABOUT COACHING IS WRONG? SOMETIMES DIFFERENT IS BETTER THE TRUTH ABOUT WHO TO COACH & HOW TO ASSESS THEIR PERFORMANCE Tom Stanfill, CEO ASLAN Training
More informationHow To Be Financially Successful
Employee Financial Wellness Survey 2015 results April 2015 Retirement Employer benefits Financial stress Investing Cash and debt management Risk management About this survey PwC s Employee Financial Wellness
More informationBudgeting: Managing Your Money with a Spending Plan
Budgeting: Managing Your Money with a Spending Plan Budgeting: Managing Your Money with a Spending Plan Are you making the best use of your money? Do you have a handle on how much comes in each month and
More informationNFIB SMALL BUSINESS. William C. Dunkelberg Holly Wade SMALL BUSINESS OPTIMISM INDEX COMPONENTS
NFIB SMALL BUSINESS ECONOMIC TRENDS William C. Dunkelberg Holly Wade December 21 Based on a Survey of Small and Independent Business Owners SMALL BUSINESS OPTIMISM INDEX COMPONENTS Seasonally Change From
More informationBusiness Mastery: Smart Strategies Every Business Owner Needs to Promote, Protect and Prosper
Business Mastery: Smart Strategies Every Business Owner Needs to Promote, Protect and Prosper Susan Wilson Solovic Sponsored by: AT&T 2012 Susan Wilson Solovic, all rights reserved Business Mastery: Smart
More informationTHINGS TO CONSIDER WHEN SELLING YOUR HOUSE WINTER 2015 EDITION KEEPINGCURRENTMATTERS.COM
THINGS TO CONSIDER WHEN SELLING YOUR HOUSE WINTER 2015 EDITION KEEPINGCURRENTMATTERS.COM TABLE OF CONTENTS 1 5 REASONS TO SELL NOW 3 THE IMPORTANCE OF USING AN AGENT WHEN SELLING YOUR HOME 4 5 DEMANDS
More informationOral Communications. A. Students who benefit.
Oral Communications Students overwhelmingly report that their public speaking improves over the course of their Hamilton career, 1 and that much of this is due simply to their exposure to it in one or
More informationWe are pleased to share the first ShopKeep Small. Business Index, a quarterly report that provides. valuable insight into the prevailing opinions,
ShopKeep Small Business Index Q3 2014 1 Letter from Norm Merritt President & co-ceo We are pleased to share the first ShopKeep Small Business Index, a quarterly report that provides valuable insight into
More information2012 HOUSEHOLD FINANCIAL PLANNING SURVEY
2012 HOUSEHOLD FINANCIAL PLANNING SURVEY A Summary of Key Findings July 23, 2012 Prepared for: Certified Financial Planner Board of Standards, Inc. and the Consumer Federation of America Prepared by: Princeton
More informationYour Complete Social Intranet Buyer s Guide & Handbook
Your Complete Social Intranet Buyer s Guide & Handbook A growing business needs a good social intranet software platform. It helps you communicate and collaborate in one place. Read this ebook to get practical
More informationHouseonomics. housing prices. personal income Consumer price index. by Gary Smith and Margaret H. Smith. http://www.smithfinancialplace.
Houseonomics 350 300 housing prices 250 200 150 100 personal income Consumer price index 50 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 by Gary Smith and Margaret H. Smith http://www.smithfinancialplace.com
More informationagain at Platinum Roofing. try try industrypartners
industrypartners Platinum Roofing: try try again Emily Landes For Mike Stephenson, the first step on the road to success is failure. Stephenson is the president of San José-based Platinum Roofing, a longstanding
More informationTALKING POINTS COLLEGE STUDENTS PRESENTED BY JEAN CHATZKY AND PASS FROM AMERICAN EXPRESS SM
INTRODUCTION Give your kids a heads-up that tonight you re going to make some time to talk about money. It won t take all night, but they should clear their schedule. If your kid is away at college, and
More informationBetter connections: What makes Australians stay with or switch providers? March 2015
Better connections: What makes Australians stay with or switch providers? March 2015 Contents p2 Methodology p3 Audience segments p4 Executive summary p6 Which companies do Australians commonly interact
More informationSmall Employer Health Insurance Survey. March 2013
Small Employer Health Insurance Survey March 2013 Table of Contents Introduction and Methodology... 1 Key Statistics and Charts Misunderstanding the Mandate...2 Health Insurance Exchanges...3 Buying Insurance
More informationIncome protection solutions
For UK financial advisers only Income protection solutions Tailored to your client and their budget What is income protection? Income Protection can be an everyday essential that works when your client
More informationCDHP White Paper Podcast v.3 (2651 words, est. 18 mins)
Hi. And welcome to Cigna s podcast about a white paper we published recently. You can read along with Maximizing the Value of Consumer Driven Health Plans, or you can just sit back and we ll take you through
More informationSAP Solution Brief SAP Technology SAP IT Infrastructure Management. Unify Infrastructure and Application Lifecycle Management
SAP Brief SAP Technology SAP IT Infrastructure Management Objectives Unify Infrastructure and Application Lifecycle Management Supercharge your IT infrastructure Supercharge your IT infrastructure What
More informationThe U.S. Economy after September 11. 1. pushing us from sluggish growth to an outright contraction. b and there s a lot of uncertainty.
Presentation to the University of Washington Business School For delivery November 15, 2001 at approximately 8:05 AM Pacific Standard Time (11:05 AM Eastern) By Robert T. Parry, President and CEO of the
More informationTAX SAVINGS IN THE STIMULUS BILL
By Jason Tang and Michael Burzynski, CPA The American Recovery and Reinvestment Act of 2009 was signed into law on February 17, 2009 in an effort to stimulate economic development. This bill is one of
More information60 minutes to change:
60 minutes to change: help improve your financial life in just nine pages PERSONAL FINANCE The four stages of your financial life You must progress. But when it comes to money, progression is often mistaken
More informationRetail Industry Outlook Survey:
Retail Industry Outlook Survey: Modest Gains Keep Cautious Optimism in Style kpmg.com KPMG s Industry Outlook Survey KPMG LLP, the audit, tax and advisory firm, surveyed C-suite and other top-level executives
More informationbranding guide for tax pros
by Your Business Matters the branding guide for tax pros how to grow your tax business by building a powerful brand What s in this guide? What branding means Why branding matters in your tax practice How
More informationSpend Insights. Findings at a glance. Visa Small Business 4Q14 Report March 2015
Visa Small Business Report March 2015 Spend Insights "Responses in many categories indicate a more optimistic outlook this quarter, but concerns about some key indicators clearly remain. In a pivotal shift,
More informationHow to navigate the world of managed services and outsourcing
- How to navigate the world of managed services and outsourcing A publication of : Introduction 3-5 The State of the Cloud 6-10 Navigating the In-between 11-17 The Managed Services Edge 18-23 Getting your
More informationTABLE OF CONTENTS. Collection Agency Operations and Technology Survey Page 2 Copyright BillingTree insidearm.com
Version 6.12.14 TABLE OF CONTENTS IMPACT POINTS... 4 INTRODUCTION... 6 METHODOLOGY... 7 COLLECTIONS DEMOGRAPHICS AND GROWTH TRENDS... 8 BUSINESS STRATEGY: OPPORTUNITIES AND RISKS... 10 IMPACT ON GROWTH/PROFITABILITY...
More informationTrue Stories of Customer Service ROI: The real-world benefits of Zendesk
True Stories of Customer Service ROI: The real-world benefits of Zendesk Introduction Any manager whose business thrives when customers are happy immediately understands the value of excellent customer
More informationOBJECTIVES. The BIG Idea MONEY MATTERS. How much will it cost to buy, operate, and insure a car? Paying for a Car
Paying for a Car 4 MONEY MATTERS The BIG Idea How much will it cost to buy, operate, and insure a car? AGENDA Approx. 45 minutes I. Warm Up (5 minutes) II. What Can You Spend? (15 minutes) III. Getting
More informationSaaS and Cloud ERP Trends, Observations, and Performance 2011
December, 2011 SaaS and Cloud ERP Trends, Observations, and Performance 2011 Over the past five years, Aberdeen has been measuring the willingness of organizations to consider Software as a Service (SaaS)
More informationAMERICANS VIEWS OF THE ECONOMY AND THE STATE OF THE COUNTRY March 28- April 2, 2008
CBS NEWS/NEW YORK TIMES POLL For Release: Thursday, April 3 rd, 2008 6:30 PM (EDT) AMERICANS VIEWS OF THE ECONOMY AND THE STATE OF THE COUNTRY March 28- April 2, 2008 Americans views about the economy
More informationOutsourcing 2010. www.iaop.org. Summary of Findings from IAOP s State of the Industry Survey. Produced with the support of
Outsourcing 2010 Summary of Findings from IAOP s State of the Industry Survey Produced with the support of Outsourcing 2010 Summary of Findings from IAOP s State of the Industry Survey For the past 18
More informationCOPYRIGHT 2012 VERTICURL WHITEPAPER: TOP MISTAKES TO AVOID WHEN BUILDING A DEMAND CENTER
COPYRIGHT 2012 VERTICURL WHITEPAPER: TOP MISTAKES TO AVOID WHEN BUILDING A DEMAND CENTER For many B2B organizations, building a demand center is a no-brainer. Learn how to ensure you re successful by avoiding
More informationBRAZIL. 2013 was a slow year in Brazil with just over 2% GDP growth.
BRAZIL 2013 was a slow year in Brazil with just over 2% GDP growth. Compared to 2012, however, Brazilian businesses were better able to anticipate market conditions and respond accordingly. As a result,
More informationMMI Omnibus Survey. Homeownership. Top-Line Results and Suggested Story Lines
MMI Omnibus Survey Homeownership Top-Line Results and Suggested Story Lines Methodology: Cynapsus and Money Management International (MMI) developed a series of questions on the topic of homeownership,
More informationSmall Staff Scheduling for Convenience Stores
Small Staff Scheduling for Convenience Stores Park City Group, Inc. Convenience Stores - ALERT [A SPECIAL REPORT FROM Park City Group] Perspective LABOR MANAGEMENT A SIGNIFICANT OPPORTUNITY FOR ALL SIZE
More informationState of Small Business: Healthcare, Hiring & Funding
State of Small Business: Healthcare, Hiring & Funding Top Level Survey Results including All Small Biz Responses & SMBs with 1-10 employees vs. 11-100 employees **Surveys were taken over a 6 week period
More informationSaving SMEs. November 2014. An analysis of the business savings market. aldermore.co.uk
Saving SMEs An analysis of the business savings market November 2014 aldermore.co.uk Contents Foreword: Small is beautiful Executive Summary National trends Regional trends Sectoral trends Contact 2 3
More informationWhitepaper. Cloud Cover. A HR and Payroll Professional s Guide to Cloud Computing
Whitepaper Cloud Cover A HR and Payroll Professional s Guide to Cloud Computing Introduction A few years ago cloud computing was a concept relatively unknown to all but the IT industry. Now, however, the
More informationTake to the Cloud It will fundamentally change the way you do business, for the better
Take to the Cloud It will fundamentally change the way you do business, for the better We have awesome technology, but has anything really changed? When we think about the workplace of 30 years ago, it
More informationAn Overview Of Annuity Advisor Websites
420 Lexington Avenue, Suite 560 New York, NY 10017 212.832.2002 February 2011 An Overview Of Annuity Advisor Websites Introduction It is crucial that financial services firms furnish advisor websites with
More informationPENNSYLVANIA MALPRACTICE STUDY
The Project on Medical Liability in Pennsylvania Funded by The Pew Charitable Trusts PENNSYLVANIA MALPRACTICE STUDY General Public Survey Small Business Survey Conducted by Princeton Survey Research Associates,
More informationThe Era Of Intimate Customer Decisioning Is At Hand
A Forrester Consulting Thought Leadership Paper Commissioned By FICO Decisions Based On An Informed, Intimate, And Immediate Understanding Of Customers Are the Next Normal January 2013 Table Of Contents
More informationDown Payment Assistance Myths Debunked
Down Payment Assistance Myths Debunked Top 10 surprisingly common down payment assistance myths are debunked. This ebook is designed for real estate and housing industry professionals to understand the
More informationLong-Term Care Insurance:
The Prudential Insurance Company of America 2011 Long-Term Care Insurance: A Piece of the Retirement & Estate Planning Puzzle IRA Pension 401(k) Annuities Long-Term Care Insurance Life Insurance Social
More informationBy Hart Research Associates
One Year Out Findings From A National Survey Among Members Of The High School Graduating Class Of 2010 Submitted To: The College Board By Hart Research Associates August 18, 2011 Hart Research Associates
More informationSmall Business. Optimism Report
Small Business Optimism Report Table of Contents Introduction 3 Survey Results 4 Economic Improvements: Perception vs. Reality 4 Top Concerns: Looking Back, Looking Ahead 5 Workforce Growth: Staying the
More informationUBS Investor Watch. What is wealthy? Top insights: Analyzing investor sentiment and behavior 3Q 2013
UBS Investor Watch Analyzing investor sentiment and behavior 3Q 2013 What is wealthy? Top insights: 1. Wealth equals no financial constraints on activities 2. Cash is still king 3. Investors control risk
More informationWHITE PAPER OCTOBER 2014. Unified Monitoring. A Business Perspective
WHITE PAPER OCTOBER 2014 Unified Monitoring A Business Perspective 2 WHITE PAPER: UNIFIED MONITORING ca.com Table of Contents Introduction 3 Section 1: Today s Emerging Computing Environments 4 Section
More informationSales Effectiveness A study of international sales force performance
productivity report Sales Effectiveness A study of international sales force performance www.alexanderproudfoot.com productivity report: sales effectiveness A foreword on selling No company strategy, however
More informationOvernight success only comes after many days of hard work.
Alpha and omega the beginning and the end as 2009 draws to a close, 2010 is upon us. Of course, each day is a new day and we get to make choices about how we spend our gifts, graces, and resources (primarily
More informationBig Data s Big Payday:
Big Data s Big Payday: Marketers Approach ROI Tipping Point in 2015 INFOGROUP OUTLINES THE 10 COMMANDMENTS OF BIG DATA ROI Based on survey results over three years. Executive Summary It s exciting to watch
More informationRetiring from the Family Business Last update: October 27, 2011
Summary Retiring from the Family Business Last update: October 27, 2011 If you are the owner or a major partner in a small business, your retirement concerns are more complex than most people s. It is
More informationBudget Busters: Who s Breaking the Bank?
Time Required: 15 minutes Budget Busters: Where does all your money go? No matter how much money you earn, a careful budget lets you know exactly what happens to your cash. Below are three different cash
More informationWhy Your Spreadsheet Isn t Expense Management
Why Your Spreadsheet Isn t Expense Management By Christopher Levush Spreadsheets are the ubiquitous office tool; you can hardly run your business without them. A simple search on Google opens the door
More informationUK ICT Outsourcing Service Provider Performance and Satisfaction (SPPS) Study: 2013
A STUDY BY KPMG UK ICT Outsourcing Service Provider Performance and Satisfaction (SPPS) Study: 2013 A study of the UK Information and Communication Technology (ICT) Outsourcing Market and its Service Providers
More informationSurvey report 2015 State of the Startup
Survey report 2015 State of the Startup If you open the world s financial journals you ll read article after article about the world s largest corporations. Yet small businesses matter every bit as much,
More informationRecovery: Are We There Yet?
sponsored by Table Table of of Contents Contents The The Recovery: Recovery: Are Are We There We There Yet?...1 Yet?...1 2009 Recruiting By The Numbers...2 2009 Recruiting By the Numbers...2 The Optimists:
More informationTABLE OF CONTENTS DR IMPLEMENTATIONS:... DRAAS:... DR BUDGETS:... INTRODUCTION:... KEY FINDINGS:... PREPARATION:... COMPLIANCE:... CONCLUSION:...
TABLE OF CONTENTS INTRODUCTION:... KEY FINDINGS:... PREPARATION:... COMPLIANCE:... DR IMPLEMENTATIONS:... DISASTER EXPERIENCES:.. DR/BC PLANS:... DRAAS:... DR BUDGETS:... CONCLUSION:... 2 3 4 7 8 12 19
More informationHow To Plan For Cloud Computing
Minutes on Modern Finance Best Practice Series Tax Implications of Cloud Computing: What Every CFO Needs to Know Lost in the Cloud The Tax Implications of Cloud Computing If you re like most chief financial
More informationFailing Grades? American Families and Their College Saving Efforts. CollegeSavingsCrunch SM
Failing Grades? American Families and Their College Saving Efforts CollegeSavingsCrunch SM Investment Products Offered Are Not FDIC Insured May Lose Value Are Not Bank Guaranteed Investments Surveying
More informationOperations Excellence in Professional Services Firms
Operations Excellence in Professional Services Firms Published by KENNEDY KENNEDY Consulting Research Consulting Research & Advisory & Advisory Sponsored by Table of Contents Introduction... 3 Market Challenges
More informationCloudComputingTraininginAlberta
CloudComputingTraininginAlberta Resultsfrom afocusgroupstudyheld March2013 Table of Contents Executive Summary Background Education Responses Enterprise Responses Conclusion Next Steps 2 3 5 8 11 12 1
More informationu n i t f o u r Savings and Investments: Your Money at Work "It s possible to have your money work for you in two ways..."
Unit Four Savings and Investments: Your Money at Work "It s possible to have your money work for you in two ways..." In Unit 2, we talked a lot about how you earn money working at a job. In this unit,
More informationThe Comprehensive Interview
Uncovering the Real Candidate Behind the Interview Persona Janna Mansker Kelly Land www.berkeassessment.com The Comprehensive Interview When sitting across the table from a candidate during an interview,
More informationBizBuySell.com Small Business Buyer & Seller Demographic Study
BizBuySell.com Small Business Buyer & Seller Demographic Study Table of Contents Report Executive Summary Younger, More Diverse Buyers Look to Acquire Retiring Baby Boomer Businesses Female Business Buyers
More informationRESEARCH NOTE NETSUITE S IMPACT ON SOFTWARE COMPANY PERFORMANCE
Document K51 RESEARCH NOTE NETSUITE S IMPACT ON SOFTWARE COMPANY PERFORMANCE THE BOTTOM LINE Many software companies invest in NetSuite to help them grow their business while managing IT and administrative
More informationWhite Paper: Impact of Inventory on Network Design
White Paper: Impact of Inventory on Network Design Written as Research Project at Georgia Tech with support from people at IBM, Northwestern, and Opex Analytics Released: January 2014 Georgia Tech Team
More informationConfident? 5 common misconceptions about backup and recovery that put your organisation at risk
Confident? about backup and recovery that put your organisation at risk This paper includes: The backup and recovery performance of 48 UK firms polled. Insight in to repeat failure rates and staffing ratios
More informationAnswering the Sales Forecasting Challenge for Manufacturers. May 2010
Answering the Sales Forecasting Challenge for Manufacturers May 2010 Table of Contents Executive Summary... 2 The Value of Sales Forecasting... 3-4 The Confidence Crisis... 5 Impact of a Better Forecast...
More informationThe 2014 Bottleneck Report on Enterprise Mobile
The 2014 Bottleneck Report on Enterprise Mobile What s the big bottleneck for enterprise mobile app development this year, and how do you get past it? 1 / 32 The 2014 Bottleneck Report on Enterprise Mobile
More informationACTIVITY 14.1 STOMPING GROUNDS: BUYERS
LESSON 14 HOW ARE STOCK PRICES DETERMINED? ACTIVITY 14.1 STOMPING GROUNDS: BUYERS Coffee is your favorite drink. For you and everyone in your family, a good day begins with a nice fresh cup. Stomping Grounds,
More informationThe 2014 Ultimate Career Guide
The 2014 Ultimate Career Guide Contents: 1. Explore Your Ideal Career Options 2. Prepare For Your Ideal Career 3. Find a Job in Your Ideal Career 4. Succeed in Your Ideal Career 5. Four of the Fastest
More informationWelcome to the Ultimate Guided Tour of Stock Investing
Foreword Welcome to the Ultimate Guided Tour of Stock Investing I f you ve ever thought about investing in stocks, but didn t know how or where to get started, then this guide is for you. Maybe you picked
More informationManaging a cloud-based practice
Managing a cloud-based practice Beautiful accounting software www.xero.com PAGE 2 MANAGING A CLOUD-BASED PRACTICE With an estimated 100,000 UK businesses now using online or cloud based accounting software,
More informationSmall Group Health Insurance Overview 03.10.2015
Small Group Health Insurance Overview 03.10.2015 Did You Renew Early? A 12/01/2013 early renewal offer was made for most groups renewing 01/01/2014-11/01/2014 for groups with 2-50 enrolled employees. Most
More informationChapter 6 The cash flow statement
Chapter 6 The cash flow statement The last four chapters have been spent looking at the balance sheet and income statement and how to use them. In this chapter, we will move on to arguably the most revealing
More informationIRS Tax Gap: 2001 and 2006 (Billions)
A FairTax Whitepaper Tax Compliance Facts What the federal tax system is costing you besides your taxes! The Tax Gap affects all taxpayers. The Tax Gap is the difference between the amount of tax due and
More informationTapping into the Recruiting Power. Employees. Tapping into the Recruiting. of Existing. Employees. a Recruiting Trends white paper, sponsored by
Tapping into the Recruiting Power of Existing Power Employees Tapping into the Recruiting of Existing Employees a Recruiting Trends white paper, sponsored by Tapping into the Recruiting Power of Existing
More informationStart, grow and run your retail business
Start, grow and run your retail business 1 xero.com/guides If you re just starting out in retail, you might feel that there s a lot to learn. From inventory management, marketing, point of sale, recruitment,
More informationTHE CHANGING ROLE OF THE CHRO
A HARVARD BUSINESS REVIEW ANALYTIC SERVICES REPORT THE CHANGING ROLE OF THE CHRO Copyright 2015 Harvard Business School Publishing. sponsored by SPONSOR PERSPECTIVE The datafication of HR is a leading
More information6 Things Impacting Your Car Insurance Quote
6 Things Impacting Your Car Insurance Quote (Before Adding In Your Accidents and Tickets Makes a Bigger Difference) Appearing as a blog post: http://insursmart.com/car-insurance-quote/ If you didn t already
More informationEssentials of Estate Planning
Essentials of Estate Planning LIFE INSURANCE These materials are not intended to be used to avoid tax penalties, and were prepared to support the promotion or marketing of the matter addressed in this
More informationStocks and Mutual Funds
LESSON Stocks and Mutual Funds LESSON DESCRIPTION AND BACKGROUND The students learn about stocks how stocks are issued, different levels of risk, and differences in possible returns. In studying risk,
More informationMAJOR REVENUE-CYCLE STRESS POINTS
Healthcare Insights How Healthcare Reform Impacts Your Revenue Cycle: Scott Krah, AAP Vice President and Senior Product Manager Healthcare Payments KeyBank Enterprise Commercial Payments KEY TAKEAWAYS
More informationNINE. Coaching Tips. for Sales Managers to Drive Better Sales Funnel Results
NINE Coaching Tips for Sales Managers to Drive Better Sales Funnel Results Series on Maximizing Performance with the Sales Funnel Reference Guide Introduction... i Tip One Commit to a funnel inspection
More informationGUIDE TO RETIREMENT PLANNING FINANCIAL GUIDE. Making the most of the new pension rules to enjoy freedom and choice in your retirement
GUIDE TO RETIREMENT PLANNING Making the most of the new pension rules to enjoy freedom and choice in your retirement FINANCIAL GUIDE WELCOME Making the most of the new pension rules to enjoy freedom and
More information